For those who have started a family, it is a joyful and thrilling experience. My wife and I welcomed our first child last year and while it has been an amazing experience, a new arrival brings lots of change. I have seen first-hand how you must adapt a new way of living. If you’re not […]
It’s the last day in January and while some of us are battling to keep our New Years’ resolutions, many are looking at the year ahead and planning for their long term future. We have always said that you don’t need to be rich to benefit from financial advice – but you do have to […]
Why financial health planning is key to a secure future In this edition of Construction Magazine, Darragh Hogan looks at the difference between income and life protection. The CIF Construction Safety Week is an annual campaign to re-focus the attention of Ireland’s 159,000+ construction workers and industry stakeholders alike. While the themes may vary from […]
Income Tax The standard rate income tax band for a single person for 2023 will be increased by €3,200 to €40,000, with corresponding increases for married couples, and the main tax credits by €75. A new €500 tax credit is being introduced from 2022 for those paying rent for their principal private residence […]
In this edition of Construction Magazine, Darragh Hogan looks at the difference between life and mortgage protection. A property is probably one of the largest and most personal investments you will ever make and as such, you will want to ensure both your investment and your dependents will be protected should you pass away prematurely. […]
In this edition of Construction Magazine, Darragh Hogan looks at the market outlook. “Everything is contingent, and there is also chaos” – Spalding Gray Uncertainty is part of life, however, the last two and a half years has been more tumultuous for both businesses and individuals than recent years. The recession was a constant challenge […]
In this month’s Construction Magazine, Darragh looks at the impact of taxes on your retirement. As the oft-quoted phrase goes, “nothing can be said to be certain, except death and taxes” – and tax in retirement is no different. There is good news, however and with careful planning, you can reduce your tax burden in […]
In the latest edition of Irish Building Magazine, Susan reflects on our need to look after our “Future Self”. As a financial adviser with over 25 years in the industry, I think about my clients’ future a lot. I work with hundreds of construction professionals, who are busy future proofing their businesses with little time […]
In this month’s Construction Magazine, Susan introduces Darragh Hogan. When Milestone Advisory was established in 2014 by CIF Pensions Administration Services DAC (CPAS), I also started writing this column. My goal back then was the same as it is now – to provide valuable financial information to the readers of Construction Magazine. Over the years, […]
In this month’s Construction Magazine, Susan reflects on the importance of protecting your business. I write a lot about pensions, investment and protection for individuals. It is important to ask how you can look after your family in the event of sudden death. How you can protect your income if you are unable to work […]
In this month’s Construction Magazine, Susan reflects on the impact of the Russian invasion of Ukraine. Before discussing market implications and information for investors, I feel it necessary to share my deepest and most profound sadness for the people of Ukraine and indeed, for people in all conflict zones across the globe. The philosopher AC […]
In this month’s Construction Magazine, Susan offers some helpful tips for those investing during this period of uncertainty. At the end of last year, I highlighted the potential impact of inflation on investors in 2022. This has already come to bear on markets and it’s only February. I was asked today by an individual if […]
In this month’s Construction Magazine, Susan looks towards 2022. For almost two years, business leaders and governments alike have had to get comfortable with the words “I don’t know”. It is a characteristic of the times we are living in. However, even without the aid of a crystal ball, we know there are some topics […]
In this month’s Construction Magazine, Susan highlights the necessity of cover in times of illness. According to the European Agency for Safety & Health at Work (EU-OSHA), 3 in every 5 workers report Musculoskeletal Disorders (MSD), or complaints in the back, upper limbs and/or lower limbs to you and I. This year, the theme of […]
In this month’s Construction Magazine, Susan highlights the real value of money over 50 years. When writing a piece for the Top 50 edition of the Construction Magazine, I always try to find a way to link my piece with the number 50. My colleagues in the Construction Executive Savings Scheme (CERS), celebrate the scheme’s […]
In this month’s Construction Magazine, Susan considers the year to date from an investment perspective. Looking at 2021 so far, it is clear that as we continue to navigate through the effects of the Covid-19 pandemic, one thing is certain and that is that nothing is certain. We had started to turn the corner on […]
More than 18 months after we first became aware of Covid-19, Susan O’Mara of Milestone Advisory discusses the lessons learned by financial advisers, in the latest Construction Magazine, and how you might apply them. As it happens, old wisdom remains true and those taking the long term approach will reap the rewards. It seems like […]
For businesses, the logic of viewing cash as a safe haven asset has been eroded over the last decade. If you are holding cash in a trading account or company account now is the time to reconsider. Susan, from Milestone Advisory discussed the issues with holding cash on the CIF website. To read the full […]
Since the beginning of 2020, Covid-19 challenged every aspect of our lives, from the way we live to how we work and even how we think. The full economic impact remains unknown, although it is clear some sectors have been hit very hard. Other parts of the economy, however have not only grown, but broken […]
In this month’s Construction Magazine, Susan writes about the need to reflect back on the previous year in order to plan more effectively. While much of the writing at this time of year is focused on the outlook for 2021, I think for retirement savers and investors, it is useful to look back at the […]
Milestone Advisory DAC t/a Milestone Advisory is regulated by The Central Bank of Ireland.
Milestone Advisory is an operating division of CIF Pension Administration Services.